Skip to Main content Skip to Navigation
Theses

Les déterminants d’octroi de crédits bancaires aux entreprises : étude comparative entre la banque Conventionnelle et la banque Islamique

Abstract : Islamic Banks are thoroughly different from Conventional Banks. They are led by Islamic Finance principles. Indeed, during the decision-making process regarding a loan application from a company, Islamic Banks use their own tools and specific methods. Nevertheless, the two decision-making processes are highly complex. Thus, the aim of our research is to understand the different processes and compare the debt determinants for each kind of bank in so far as they don’t use the same criteria to estimate a company. For example, the risk-sharing, which is one of the features of the Islamic Bank, implies the guarantee of a good Return On Investment. In order to bring some answers relative to the two kind of financing, we exposed the state of the art. We notably mobilized two theories: The Trade Off Theory and the Pecking Order Theory. The regression in panel data confirmed that the Islamic Bank and the Conventional Bank don’t lean on the same determinants in their decision-making process. The specific principles of the Islamic Bank explain this difference.
Document type :
Theses
Complete list of metadatas

Cited literature [110 references]  Display  Hide  Download

https://tel.archives-ouvertes.fr/tel-01699291
Contributor : Abes Star :  Contact
Submitted on : Friday, February 2, 2018 - 11:07:08 AM
Last modification on : Monday, October 12, 2020 - 10:28:18 AM
Long-term archiving on: : Thursday, May 3, 2018 - 8:32:59 AM

File

2017AZUR0030.pdf
Version validated by the jury (STAR)

Identifiers

  • HAL Id : tel-01699291, version 1

Citation

Faiza Benabdelmoula. Les déterminants d’octroi de crédits bancaires aux entreprises : étude comparative entre la banque Conventionnelle et la banque Islamique. Gestion et management. Université Côte d'Azur, 2017. Français. ⟨NNT : 2017AZUR0030⟩. ⟨tel-01699291⟩

Share

Metrics

Record views

1923

Files downloads

50122